1. Provide Health History

2. Take the Preliminary Health IQ Quiz

Take the quiz to see if you qualify for life insurance for Health Conscious People

3. Locate Your Existing Policy

If you have a prior life insurance policy, please take a few minutes to find your existing policy

4. We Will Call You

Our agents will call you in the next 24 hours. Read our FAQ on why a call can save you time.

Thanks For Your Interest!

Unfortunately you do not qualify for special rate life insurance for health conscious people. Visit our homepage to check out our other products.

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Health IQ uses data, science, and statistics to show insurance carriers that health conscious people deserve lower rates on life insurance. By clicking "GET YOUR FREE QUOTE", I give Health IQ Insurance Services my electronically signed prior express written consent to contact me at my phone number and email address listed above to discuss buying life insurance policies & prices. We will never sell your data.

Because the agents are frequently busy helping health conscious customers, I agree these marketing communications may be sent to me using automated technology, text messages, and pre-recorded messages. I understand that my consent to receive these communications is not a condition of purchase (i.e. I can buy a policy without agreeing to any such communications). By clicking "GET YOUR FREE QUOTE", I agree to Health IQ Insurance Services’ Privacy Policy and Terms of Use policies.

Trusted By America's Top Athletic Organizations

Health IQ in the Press

"People who work out and eat healthily shouldn't have to pay as much for life insurance."

Better Science

Health IQ can save clients that qualify up to 33% on their life insurance.

How To Qualify

Avg. Savings
(%)

Avg. Savings
($)

over a 30 year policy*

Score Elite on the Health IQ Test

4%

$1,238

Verify Your Fitness

(run 10 miles/wk, ride 50 miles/wk, etc.)

4%

$1,238

Special Lifestyle Credits

Health IQ underwriting accommodations

0-25%

$0 - $7,430

Total Potential Savings

4-33%

$1,238 - $9,906

* Potential Savings are calculated using a 44-year old male non-smoker in California receiving a 30 year, $500,000 life insurance policy that he pays monthly for an Ameritas Special Rate product where the applicant would qualify for preferred plus rate class only after benefiting from the Health IQ stretch underwriting guidelines. Individual savings will vary as specific circumstances will affect each customer's rate and savings. Potential Savings calculations are valid as of 10/26/17.

Don't Think You Qualify?

Health IQ Can Still Save You Money.

Even if you don't qualify, we will use our world class underwriting team and shop 30 carriers to get the lowest retail rate in the market.

Better Underwriting

We partnered with top insurers to not just give you better rates but also underwriting that's tailored to the needs of the health conscious.

UC : Underwriting Change | A: Accommodation

Family History is Not Destiny

(UC)

We reduce your chance of being penalized for adverse family health history if you are otherwise healthy.

Family History is Not Destiny

Insurance companies use family history to evaluate your risk. One metric used is the age at which a family member has passed away from a disease. The earlier the death of a family member, the higher your rate will be. Carriers establish a threshold age for considering a death “early” — for example, most carriers consider any death from heart disease before the age of 60 to be early.

Health IQ recognizes that family history is not destiny and has pushed carriers to lower the threshold age for our health conscious customers — in the case of heart disease, from 60 years old to 55 years old. We were able to accomplish this by uncovering science like the following:

Across four studies involving 55,685 participants, a healthy lifestyle was associated with a nearly 50% lower relative risk of coronary artery disease among those at high genetic risk.

More than 90% of type 2 diabetes cases are potentially preventable by following a healthful diet, having a BMI of ≤25 m2, exercising for at least 30 minutes a day, avoiding smoking, and consuming alcohol in moderation.

The degree of benefit from healthy behaviours has been shown to be the same for women with or without a family history of breast cancer.

The Muscular are Misjudged by BMI

The height/weight ratio used for BMI doesn’t address body composition and leads to misclassification of strength athletes into weight classes that the insurance industry considers risky. That’s because BMI measures excess weight relative to height— not excess fat.

That’s why Health IQ has pushed our carriers for a “BMI buffer” for our health conscious clients. For example if the limit for the preferred plus rate category for someone 5'9" is 198 lbs, our health conscious client can still get the preferred plus rate category at 208 lbs.

Well-Managed is a Job Well Done

Only one-third of people with chronic diseases (diabetes, high blood pressure, etc) successfully manage their conditions. We believe that if you are well-managed, you are a hero and deserve special accommodation.

For every 1% reduction in HbA1c levels, the risk of developing eye, kidney, and nerve disease is reduced by 40% and the risk of heart attack is reduced by 14%

Diabetes patients who maintain near-normal HbA1c values can gain an extra five years of life, eight years of sight, and six years free from kidney disease

Well-controlled diabetics reduce their risk of heart attack, stroke, or death from cardiovascular disease by 57%

Low Resting Heart is a Badge of Honor

Low Resting Heart is a Badge of Honor

Many endurance athletes have a low resting heart rate, which can be misinterpreted by insurance companies as a heart abnormality. A low resting heart rate is one of a number of common training-related ECG alterations which are physiological adaptations to regular exercise and considered normal variants in athletes. A low resting heart rate in an athlete is actually a sign of better risk.

However, studies show that runners have a 30% lower risk of overall death.

Older marathon runners have up to a 50% decreased risk of heart disease.

Training for a marathon leads to 5% lower cholesterol and a 4% increase in cardiorespiratory fitness in just 18 weeks.

Low Carb Dieters are Not Their LDL

Low Carb Dieters are Not Their LDL

Triglyceride/HDL ratio is a better predictor of cardiovascular disease. It is possible to have total cholesterol in 220-260 range with little risk of atherosclerosis if HDL high and TG low.

Meta-analysis reviews show across studies that a low-carbohydrate diet improves markers of cardiovascular and type 2 diabetes risk factors. Overall, the benefits outweigh any apparent rise in LDL cholesterol, as HDL tends to increase and triglycerides decrease.

* Savings Disclosure: Savings are estimated by comparing the difference between the median and lowest price for a 40-year old male non-smoker in California in the preferred plus health class.
Comparing quotes for a $500,000, 15-year term life policy, the price difference between the lowest and median quotes is 25.5% for a total savings of $1217.85 over the lifetime of the policy.
Rates are subject to change and are valid as of 7/12/17.

§ ReFi Disclosure: Health IQ could save qualifying, health conscious customers money on their Term Life Insurance by canceling and replacing their current Term Life Insurance policy with a new, more cost-effective Term Life Insurance Policy.
Purchasing a policy from Health IQ may result in coverage being subject to different coverage terms and conditions, as well as a loss of rights or equity.
Please consider the pros and cons of replacing Term Life Insurance policies before canceling any existing policy.

** Testimonial Disclosure: All Health IQ testimonials are real reviews from real customers. Because Life Insurance is highly individualized, the rate and circumstances described in these reviews may not reflect typical savings or conditions.

‡ Time Disclosure: Term Life Insurance is based on many factors, including age.
The older an individual, the more expensive rates become. To maximize savings, an individual should secure a Term Life Insurance policy sooner than later.